Psychologically, people’s relationship with insurance is a complex, emotional journey. In reality, the simplistic, uncomplicated manner of insurance is a beautiful thing. It is designed like a lottery that always pays when a specific future risk element is incurred. And yet, time and again, there are an abundance of illustrations showing abuse and gratitude working in kind, usually fueled by an entitlement attitude that they’re somehow going to scheme to take more. These are their stories.